Affordable Chrysler PT Cruiser Insurance in Scottsdale

Insurance for Chrysler PT CruiserIf you want to find the absolute lowest rates, then the best way to save money on car insurance rates in Scottsdale is to begin comparing prices regularly from different companies in Arizona.

First, get a basic knowledge of what coverages are included in your policy and the factors you can control to prevent expensive coverage. Many things that cause rate increases like getting speeding tickets and a not-so-good credit history can be remedied by being financially responsible and driving safely.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.

Third, compare the new rate quotes to your current policy to see if cheaper PT Cruiser coverage is available in Scottsdale. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.

Fourth, tell your current agent or company of your intention to cancel your existing policy. Submit payment along with a signed and completed policy application for the new policy. Once the application is submitted, keep your new proof of insurance certificate with your registration paperwork.

The critical component of shopping around is to make sure you enter identical coverages on each price quote and and to get prices from all possible companies. This provides a level playing field and maximum price selection.

We don’t have to point out that fact that auto insurance companies don’t want policyholders to shop around. People who shop around for a cheaper policy are highly likely to switch to a new company because there is a good probability of finding good coverage at a lower price. Surprisingly, a recent survey revealed that people who routinely compared rates saved about $3,400 over four years compared to drivers who don’t make a habit of comparing rates.

If finding the best rates on Chrysler PT Cruiser insurance is your intention, then having a grasp of how to shop for cheaper coverage can help make the process easier and more efficient.

If you are insured now, you will surely be able to find the best rates using the techniques covered below. Finding the cheapest coverage in Scottsdale can be much easier if you know how to start. Nevertheless, Arizona vehicle owners do need to understand how big insurance companies determine prices and use it to your advantage.

All major auto insurance companies allow consumers to get coverage price quotes from their websites. Getting online quotes for Chrysler PT Cruiser insurance in Scottsdale is quite simple as you simply enter your personal and coverage information into the quote form. Once entered, their rating system will obtain reports for credit and driving violations and provides a quote based on these factors. Quoting online for Chrysler PT Cruiser insurance in Scottsdale helps simplify price comparisons, and it’s also necessary to do this in order to find a lower rate.

If you want to find out how much you can save on auto insurance, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you enter coverages and limits exactly as shown on your declarations page. Doing this assures you are getting a rate comparison based on identical coverages.

The companies in the list below offer price comparisons in Arizona. To find the cheapest car insurance in Arizona, it’s a good idea that you visit several of them in order to find the most affordable rates.

Verify you’re getting every discount

Some insurers do not list all discounts in an easy-to-find place, so the following is a list of a few of the more well known and also the lesser-known credits available to you.Save money with discounts

Remember that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The information below compares Chrysler PT Cruiser insurance rates with and without discounts being applied to the rates. The costs are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, homeowner, and marriage discounts applied.

A partial list of companies who might offer these benefits possibly include:

When quoting, ask all the companies which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area. To locate providers offering insurance discounts in Scottsdale, click here to view.

Chrysler PT Cruiser detailed coverage information

The coverage information shown below showcases different coverage prices for Chrysler PT Cruiser models. Learning a little about how policy premiums are figured can help you make decisions when choosing a new policy provider.

Chrysler PT Cruiser Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $216 $432 $332 $20 $100 $1,100 $92
PT Cruiser 2WD 4-Dr $216 $432 $332 $20 $100 $1,100 $92
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can influence insurance rates noticeably.

Analysis of deductible levels

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below can help you visualize the differences in price between low and high physical damage deductibles. The first rate table uses a $100 deductible and the second pricing table uses a $500 deductible.

Chrysler PT Cruiser insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $224 $382 $254 $16 $76 $977 $81
PT Cruiser 2WD 4-Dr $224 $382 $254 $16 $76 $977 $81
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Chrysler PT Cruiser insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $164 $258 $254 $16 $76 $768 $64
PT Cruiser 2WD 4-Dr $164 $258 $254 $16 $76 $768 $64
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can influence price quotes significantly.

We can estimate from the data above that using a $100 deductible costs roughly $17 more each month or $204 annually across all Chrysler PT Cruiser models than choosing the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at least 24 months between claim filings, you would probably come out ahead going with the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $81
Average monthly premium for $500 deductibles (subtract): – $64
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One thing to note is that higher deductibles means you will have to pay more of your own money when you file a claim. That will require enough disposable savings in the event you have to pay more for the deductible.

Chrysler PT Cruiser liability rates compared to full coverage

The information below illustrates the comparison of Chrysler PT Cruiser insurance costs with full coverage and liability only. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision

There is no set guideline of when to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Chrysler PT Cruiser book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the policy deductible has been paid. If premiums are more than $300 a year to have full coverage, then it could be time to drop full coverage.

There are some scenarios where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Compare rates but work with a local Scottsdale insurance agent

Some consumers would prefer to visit with an insurance agent and doing so can bring peace of mind A good thing about price shopping on the web is that drivers can save money and get cheaper prices but still work with a licensed agent. Supporting small agencies is important particularly in Scottsdale.

Insurance agents in ScottsdaleTo find an agent, once you fill out this simple form, your information is emailed to companies in Scottsdale who will give you bids and help you find cheaper coverage. There is no need to even leave your home since rate quotes are delivered straight to your inbox. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you need to get a price quote from one company in particular, you would need to go to their quote page and complete a quote there.

Different types of Scottsdale auto insurance agents

When searching for a reputable insurance agent or broker, there are two types of insurance agents and how they differ in how they can insure your vehicles. Agencies in Scottsdale can be classified as either exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies

These type of agents do not sell for just one brand so as a result can place your coverage through many companies and find the cheapest auto insurance rates. If you want to switch companies, the agent simply finds a different carrier which requires no work on your part.

When comparing rates, you should always get some free quotes from several independent agencies to get the best comparison.

Listed below is a short list of independent insurance agents in Scottsdale who may be able to give you price quotes.

4835 E Cholla StScottsdale, AZ 85254(480) 423-7444View Map

5425 E Bell RdScottsdale, AZ 85254(480) 214-3544View Map

8475 E Hartford DrScottsdale, AZ 85255(480) 991-7889View Map

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Exclusive Agencies

Agents of this type have only one company to place business with like Farmers Insurance, State Farm, or Allstate. They generally cannot give you multiple price quotes so you might not find the best rates. Exclusive agents are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point.

Shown below are exclusive insurance agents in Scottsdale who can help you get comparison quotes.

Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202Scottsdale, AZ 85251(480) 949-7204View Map

8100 E Indian School Rd #102Scottsdale, AZ 85251(480) 668-3878View Map

Shelley Anderson – State Farm Insurance Agent
8080 E Gelding Dr d106Scottsdale, AZ 85260(480) 941-2257View Map

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Choosing a insurance agency should include more criteria than just the quoted price. You should also get answers to these questions.

Smart Consumers Know How to Buy Auto Insurance for Less

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that play a part in calculating your policy premiums. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to much lower annual insurance costs. Multiple criteria are used in the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, although some other factors are not quite as obvious such as your credit history or your commute time.

The items below are just a few of the factors auto insurance companies consider when setting rates.

Why do I need car insurance?

Even though Scottsdale PT Cruiser insurance rates can get expensive, car insurance may be required and benefits you in several ways.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. The average driver in America is wasting up to $869 every year so you should quote your policy with other companies each time the policy renews to help ensure money is not being wasted.

Best car insurance company in Arizona

Selecting the top insurance provider can be a challenge considering how many different companies sell coverage in Scottsdale. The ranking information shown below may help you pick which providers you want to consider comparing price quotes from.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Scottsdale Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Don’t give up on cheap premiums

As you quote Scottsdale car insurance, never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best possible price.

Throughout this article, we presented many tips how you can lower your Chrysler PT Cruiser insurance car insurance rates in Scottsdale. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable Chrysler PT Cruiser insurance quotes. You may even find the most savings is with the smaller companies. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive or GEICO.

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